Special offer on Rewards Cards
- All rates, fees and rewards details for over 400 cards. Summary data plus cost
and value comparison.

MORTGAGE PRODUCTS

Our Mortgage products include 10, 15, 20 & 30 year fixed rates as well as 1, 3,
5, 7 & 10 year adjustable rates, all of which can be presented ranging from conforming
to jumbo values. We also provide to our customers a full listing of index values
from the H15 federal report, the corresponding yield curve of these values as well
as a product yield curve of average rates for all Mortgage products. Included in
our Mortgage surveys are rates, discount points, origination points, and APR (either
calculated or reported). The frequency of reports received by our executive clientele
is determined solely by the customer and thus can range from daily, weekly or monthly
at the customer’s discretion.

DEPOSITS

Deposit products include all consumer or business accounts, all tiers including
dollar amounts and/or terms as determined by the surveyed institution. Included
in the data set for each institution are features that may not be included in a
typical rate sheet or online. Thus our clients determine which fields they would
like to appear in the summary or detail report and our research reflects their needs
accordingly. We separate specials and promotional offers in order to include and
display all promoted products tagged in our data base. This feature allows you to
separate and receive a screen search or report for review of the market trends.
A summary of your competitor’s promotions can be viewed either with your report
set or online using our web-based features.

LOANS

We offer a wide array of Loan Rate Surveys encompassing all products available in
the current financial market. Our clientele can choose with precision which products
they’d prefer to include with their loan survey. Any term, dollar amount, or financial
scenario can be provided for such that our research is trustworthy and accurate
to the exact date and specifications requested by our clients. Ranging from Home
Equity Loans and Lines of Credit to Personal loans as well as vehicle, equipment,
business, or commercial loan surveys, our customers can rest assured that they will
receive their reports on time and to their exact specifications.

FEES

Prorates now offers reports to our executive clientele detailing the various fees
which apply to specific financial institutions. Not every bank is the same in their
protocol regarding everything from processing fees to hidden checking, savings or
credit payments. Therefore our Fee Surveys can be used by our clients to better
inform their own customers as well as stay informed in order to remain competitive
in today’s market.

PROMOTIONS

We also offer research reports which detail the Promotional offers that come and
go throughout the calendar year. Financial institutions will frequently offer short
term promotional rates on the various products they offer. Keeping updated on these
promotions and their frequency would be a full time job for one person preparing
a report, but here at Prorates we have an experienced staff whom pride themselves
on staying updated with financial market trends and making sure our clients don’t
miss out on what could potentially be highly valuable information.

Free PRORATES samples and survey

A free set of reports is yours for review if you contact us via phone or email.
Reports will include the Federal H15 report including yield curve and additional
dollar numbers (50 data points in all). USA rate averages by product category, your
state’s averages by product category, and a survey of CD’s and Money Market products
for any 5 institutions in your region.